9-27-18 Aetna reps came to visit our office to discuss their new products, specifically the Hospital Indemnity Flex (a perfect counterpart to MAPD plans) and their new Dental+Vision+Hearing plan. We had questions, they had answers. Part 1 – DVH and…
The Mutual of Omaha Sales Leaders trip for 2018 was awesome. We went to Milan, Italy the week before and then met the Mutual trip folks in Killarney, Ireland right after spending St. Patrick's Day in Dublin. What a trip…
After a meeting in Palm Springs with some top producers, I came away with some good news for those in the Medicare business.
On location in San Diego, here's my update on the industry and what's coming.
Remember, we can write a Medicare Supplement up to 6 months prior to their Part B start date.
Some notable exceptions to these include carriers that do not allow it (see your Agent Guides).
We know these to be Anthem, Humana, and Cigna (90 days).
What do you use when they have no Medicare card yet and you're writing a T65 application? See below!
See the video:
This is the new (in 2017) Critical Advantage Portfolio webinar. This plan from Mutual of Omaha covers Cancer, Heart Attack, and Stroke. This plan is unique in that it also covers Alzheimer's Disease. The Critical Illness (comprehensive) policy can be…
This is the long-awaited training on how to successfully add Cancer plan marketing to your existing business. By doing so, agents are able to double their first-year commissions on cases and get referrals from folks impacted by Cancer that would…
Instead of a case that would pay $269.69, this video shows how the commission, first year, is $1,067.70 because CJ asked told of the availability of the cancer plan. He asked about heart attack/stroke coverage, and he asked about life coverage.
This sweet lady was used to paying $700 per month for her employer plan that had restrictions, networks, and co-pays. Now, she has a MUCH better plan (Plan G), lump sum coverage for Cancer, Heart Attack or Stroke, AND permanent Life Insurance coverage locked in now at the age of 64.
The is in a much better position, fully covered, and happy with her new security and price.
See the video:
Perfect example of a great cross sell.
CIGNA's electronic application makes this point and click easy without having to re-enter the client's information again in multiple applications.
Decades ago, companies like McDonald's learned that if you merely asked, “Would you like fries with that?” that a significant amount of people WOULD. Their profit is all in the extras..just like the movie theaters. They make nothing on the ticket sales. It is all on concessions.
This is good coverage, provides peace of mind, and because of a process like this, helps the agent to make additional income by taking care of clients in a meaningful way.
Learn how to sell cancer policies, etc. at:
This is a recording of CIGNA's Cancer plan webinar. This webinar does a good job of identifying the market for Cancer insurance. Often, this is an easy add-on product that seniors will sell, because they've seen cancer all around them…
This is an updated Medico webinar covering all of their available plans, their online enrollment process, and their new travel benefit for agents – this is an awesome rewards program. Cancer plans are a HUGE part of senior marketing and…
CIGNA (ARLIC) webinar on their Cancer, Heart Attack, and Stroke indemnity plan that can be sold in conjunction with their Medicare Supplements, all 100% online by phone. Webinar was held on 4/29/13….